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Advertiser Disclosure
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 Sidney Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 23, 2026
Sidney Federal Credit Union's 1st Mortgage rates are at 5.75%, 1st Mortgage rates are at 5.88%, Adjustable Rate Mortgages (ARM) Rates - 7/1 ARM rates are at 6.00%, Drop My Rate Mortgage - 7/1 ARM rates are at 6.00%, Adjustable Rate Mortgages (ARM) Rates - 10/1 ARM rates are at 6.12%. MonitorBankRates evaluates the financial stability of Sidney Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.21%. Rates last updated and verified on 09/23/2026. Sidney Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Sidney Federal Credit Union? Share your experience about Sidney Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Sidney Federal Credit Union. 
Sidney Federal Credit Union Mortgage Rates
Sidney Federal Credit Union Other Rates
Financial Health HistorySidney Federal Credit Union’s Texas Ratio stayed near 5.28% in Q2 2023 to 5.21% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Sidney Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Sidney Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Sidney Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Sidney Federal Credit Union
Website
https://www.sfcuonline.org
Address
42 Union St,
Sidney, NY 13838
Phone
607-561-7300
Fax
607-563-7474
President
Scott McLean
CEO
Jim Reynolds
Full-Time Employees
226
Part-Time Employees
12
Branch Locations
14
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.21%
Return on Assets (ROA)
0.3279%
Return on Equity (ROE)
3.2351%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
1,284,752,572
Total Amount of Shares and Deposits
1,153,108,374
Total Shares and Deposits < 1 Year
1,089,186,712
Total Shares and Deposits 1 3 Years
58,564,268
Total Shares and Deposits > 3 Years
5,357,394
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
115,918,223
Total Uninsured Shares and Deposits > $250K (F+J)
115,918,223
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,037,190,151
Total Interest Expense (Sum of items 6 8)
5,484,620
Share Certificates
11,983
Number of Accounts for Share Drafts
45,280
IRA KEOGH Accounts
2,378
Number of Accounts for Regular Shares
93,832
All other shares
1,790
Non Member Deposits
4
Money Market Shares
3,027
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
59,621,908
Total Liabilities
1,160,268,274
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Sidney Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Sidney Federal Credit Union
Frequently Asked Questions About Sidney Federal Credit UnionHow many branches does Sidney Federal Credit Union operate?Sidney Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Sidney Federal Credit Union?Yes, to access services at Sidney Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Sidney Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Sidney Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Sidney Federal Credit Union offer online and mobile banking?Most modern institutions like Sidney Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sfcuonline.org. Compare to Other Credit Unions
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